I have no desire to pan for gold in the wild or by buying paydirt. My plan is to be a paydirt vender. On YouTube, there is a to of mining and paydirt review channels. Learned that its a hobby for many and maybe 1% of miners bring in decent money.
Below spot and no creditcard markups seems better than JM Bullshit to me.
Not listing name of company where I buy, but if you check out Miller Prospecting dot.com he shows where to buy and not to buy paydirt. He does panning videos and shows his ROI data.
In my case, I'm planning on maintaining my current safety net and spending everything after that. No offspring to squander anything I leave behind and I already built a house for my wife in her country.
Good Luck.